Savings
Saving works best when the money is slightly out of reach and the progress is easy to see. Savings accounts here sit apart from your spending, pay interest on the balance you actually held, and let you withdraw without a penalty when life needs the cash.
Interest on the daily balance
Interest is worked out on what you held each day and added to the account on a fixed schedule, so a withdrawal never quietly costs you a month of earnings.
Goals you can name
Open a savings pot for a deposit, a tax bill or a trip, give it a name, and move money into it from your current account in one action. Money that is named gets left alone far more often than money that is merely saved.
Pound, dollar and rand pots
Save in the currency you will spend in. A rand savings pot earns rand and pays out rand, with no conversion applied at either end.
Withdraw when you need to
There is no notice period on instant-access savings and no fee for taking your own money out. If you want a stronger reason to leave it in, a fixed-term option trades early access for a higher rate.
Start with a small automatic transfer each month — the habit matters more than the first amount.